So not futures one? Roll on 22nd then
Yep, but if I had to pull a number out of my arse Iād pick 1.8p. Iād have a 95% confidence interval of 1 to 2.5p (havenāt run the maths, just a bottom of the arse calculation. I donāt feel like doing the bayesian calculations, but I suspect the confidence interval is going to be around that anyways.)
Shall we take bets? Iāll take 2p it could be higher but at these prices itās generous and we need to hold back on funds until this case is decided.
Letās look at a positive, if Lloyds didnāt have to set aside the Ā£1bn provision they would have to pay Corporation tax on it, we saved Ā£250m!
Iāll go slightly more conservative at 1.7p. It can still be spun as well above current inflation increases and in line with a progressive dividend policy.
I would be very surprised if they set the full Ā£1bn aside as part of their Q4/FY results but could certainly see some provisions begin to be placed aside for this.
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Well if we are taking bets Iād go for 1.84p following the trend of final = 2x interim for the past two final dividends singe resumption of the dividends.
How exciting only 30 days or so till we find out. I would be quite happy with all of these amounts tbh (I would reinvest it all any ways) as long as we are under 45p,
Do you think they should do another buy back programme? I canāt help but think the money could be used to invest elsewhere to diversify the business. It wasnāt long ago you could buy Persimmon for instance and have change from their annual buy back budget.
Same here will reinvest the dividend if its under 45p. Long term its a 10 year hold which will take me to SP age.
So has the ex date been confirmed? On the 22nd apparently? Canāt see any talking or confirming 
Results are scheduled for 22nd Feb. Last couple of years Lloyds has usually gone ex-div in April with the payment date in May
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If thereās one bank that annoys the hell out of me as a customer, it is Lloyds Bank. I was new, and now I am quickly leaving. Itās no wonder they are struggling. The app is dire, the physical branches are closing left, right, and center, which only leaves you with a call centre that only open for limited hours.
I wouldnāt touch them, to be honest. If they canāt get the basics right, thereās nothing more to be said.
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My bad I thought was 22nd January people said? Doubled checked I see that now! 
Topped up again today and will continue to do so when price is less than 43p.
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Yep my Bad pasted in the correct info but then said it was coming on Monday. oops
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Oh dear we are opening at under 42p this morning, I wonder if we will hit 40p again?
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Chance to buy. I missed out at 39p.
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Weird. I love the app. Super useful. What in particular did you not like?
Iāve banked with Lloyds for years. Never any issues.
Interested to hear your issues. Everyoneās experiences are different as needs are different
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It does not have the ease of use as Chase or Virgin Money, nor the Freetrade app.
Expecting people to remember a a very long rememberable secret word with digitals and then ask you to type in certain characters or numbers within the word, is actually a security risk because people will write them down.
Human can only remember the magic number 7 with ease which mean 7 + 2 or -2.
Also using a dictionary word is easy for hackers to break.
The complex security they have is actually very weak security.
Also, when paying a credit card the app takes you to an online website. It not good practice.
As the general rule the more you have to use the keyboard the weaker the security because malware listening to keystrokes. Good security it largely automated.
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Time based one time passwords are probably the most secure but debatably not the simplest.
Also using a dictionary word is easy for hackers to break.
Not really a factor in network based login attempts, more a factor if a bankās internal databases were exposed (canāt think of a time that has happened, at least in the UK). Besides, donāt all banks lock you out after X failed attempts and revert back to postal address or phone banking.
Also, when paying a credit card the app takes you to an online website. It not good practice.
Not sure why? Itās verification beyond your card details which can easily be obtained in a variety of sitatuations. Also most websites use 3rd party payment providers to avoid stricter PCI requirements i.e. storing card details on their own servers.
As the general rule the more you have to use the keyboard the weaker the security because malware listening to keystrokes. Good security it largely automated.
Thatās part of the reason why the dropdowns are used.
There are no drop-down on there phone app just an expectation to remember the location of letter in a long 16 digit passcode.
It not just the app the call centre is closed for too many hours and they no longer have the branches to compensate for the poor call centre.
The fact that they are struggling also strengthens my point.
Chase have an app that easy to use which makes it far more secure.
I just log into the app with Face ID. Website is a bit different.